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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
15-02-2007, 10:18 PM   #81

Re: Excessive bank charges - anybody going to complain to their bank?


Jenny I wouldn't accept their offer as full payment, only as part payment, if you want the full amount you will get it.

Fran, which bank are you claiming against and I will find the address for you.



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Fran's Avatar
Catsey Veteran
 
Cats owned: DSH/Siamese/Orientals
Join Date: Feb 2005
Location: Yorkshire
Posts: 21,296
15-02-2007, 10:21 PM   #82

Re: Excessive bank charges - anybody going to complain to their bank?


Quote:
Originally Posted by EmmaG
Fran, which bank are you claiming against and I will find the address for you.
Thank you so much for your help Emma, it's the Halifax...



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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
15-02-2007, 10:24 PM   #83

Re: Excessive bank charges - anybody going to complain to their bank?


Here you go Fran.

Halifax Plc
Trinity Road
Halifax
West Yorkshire
HX1 2RG
Data Protection Act 1998
Subject Access Request
Dear Sir/Madam

ACCOUNT NUMBER: XXXXXXXXX



Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.


Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.


If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.


I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.


If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.


Yours faithfully,









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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
15-02-2007, 10:24 PM   #84

Re: Excessive bank charges - anybody going to complain to their bank?


Quote:
Originally Posted by Fran
Thank you so much for your help Emma, it's the Halifax...
It is a pleasure Fran



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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
15-02-2007, 10:27 PM   #85

Re: Excessive bank charges - anybody going to complain to their bank?


Quote:
Originally Posted by jenny
hi charliebubs, i think its any account. they arent legally allowed to charge u any more than administrations costs. so they cant charge you £30 a time for example.
Spot on Jenny, to levy the charges they need to prove that they cover their costs....which they can't (or wont)



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Fran's Avatar
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Cats owned: DSH/Siamese/Orientals
Join Date: Feb 2005
Location: Yorkshire
Posts: 21,296
15-02-2007, 10:28 PM   #86

Re: Excessive bank charges - anybody going to complain to their bank?


Quote:
Originally Posted by EmmaG
It is a pleasure Fran
I can't thank you enough Emma! I have so wanted to do this for ages now but have worried I might not do it right / didn't really know what I was doing. I have heard of so many success stories recently that I thought I ought to seriously consider doing it myself. Without your help Emma, I would probably not have bothered, so thank you and I'll let you know how things go x



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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
15-02-2007, 10:31 PM   #87

Re: Excessive bank charges - anybody going to complain to their bank?


No problem Fran, I think everybody either doesn't believe that it will work or are worried by what the banks can do.

If you need any help just shout, that also goes for anybody else who would like some help



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jenny's Avatar
Catsey Senior
 
Cats owned: bengal
Join Date: Feb 2006
Location: surrey, uk
Posts: 258
16-02-2007, 01:02 PM   #88

Re: Excessive bank charges - anybody going to complain to their bank?


hi emma, i cant find a template letter for refusing an offer? they havent given me the money, only offered to put it in my bank.
what do i need to write?



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charliebubs's Avatar
Catsey Veteran
 
Cats owned: Ragdoll, 2 Siamese & a Balinese
Join Date: Nov 2006
Location: Northamptonshire, UK
Posts: 4,265
16-02-2007, 06:13 PM   #89

Re: Excessive bank charges - anybody going to complain to their bank?


Quote:
Originally Posted by Fran
I can't thank you enough Emma! I have so wanted to do this for ages now but have worried I might not do it right / didn't really know what I was doing. I have heard of so many success stories recently that I thought I ought to seriously consider doing it myself. Without your help Emma, I would probably not have bothered, so thank you and I'll let you know how things go x
I'll second that - a big thank you to Emma!!!!!



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EmmaG's Avatar
Catsey Veteran
 
Cats owned: Moggies
Join Date: Oct 2005
Location: Essex, UK
Posts: 7,396
16-02-2007, 06:16 PM   #90

Re: Excessive bank charges - anybody going to complain to their bank?


here you go Jenny, something like this


Dear sirs,

Thank you for your letter dated XXXXXXXXXXX

I will accept your offer of £XXX as PART payment ONLY and I will continue to pursue you for the remaining of my claim which totals £XXXX. Failure to refund these charges to me IN FULL by XXXXXXXX will leave me with no alternative than to pursue my whole claim, including interest, through the courts.

Yours faithfully



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